Is my financial and personal information secure?

• Yes, your personal information is transmitted securely using SSL web pages. These pages are encrypted to ensure that only you, your bank, or the processor have access to your financial or identifiable information.

Where are you located?

• We are headquartered in Holly, MI, with our customer support center also located in Holly. However, please note that this address is not for sending paper check payments or conducting in-person transactions such as deliveries and returns.

Do you report my purchases to the government?

• We do not typically report precious metals purchases to the government. However, we are required to file Form 8300 for cash payments exceeding $10,000, including related cash transactions within 24 hours totaling over $10,000. Cash includes cashier’s checks and money orders with a face value of $10,000 or less.

Can I clean my precious metals?

• It's advisable to keep precious metal products in their original condition. While bullion may dull or oxidize over time, it should not affect its selling price to a dealer. Store your metals in a dry, cool place and avoid cleaning them.

What is the gold/silver ratio?

• The gold/silver ratio indicates how much silver it takes to purchase one troy ounce of gold. To calculate it, divide the spot price of gold by the spot price of silver. (Gold Spot / Silver Spot = Gold/Silver Ratio)

Do you charge sales tax?

• Yes, we are required by law to collect sales tax on certain products in all states. Each state has its own sales tax laws. If other retailers are not charging sales tax per these laws, you are liable to pay the tax to the state.

Why are similar products priced differently?

• The premiums on our products are based on factors such as the mint of origin, complexity of design, and uniqueness of the product. Additionally, our selling price is influenced by the cost at which we acquired the product. If an item costs us more to buy, it will also cost more for our customers. Conversely, if a mint charges us less for an item, we pass those savings along to our customers.

What are the precious metals market hours?

• The precious metals markets close on Friday at 5:00 p.m. EST and reopen on Sunday at 6:00 p.m. EST. Additionally, markets are closed every Monday through Thursday from 5:00 p.m. to 6:00 p.m. EST. During market closure, the spot price remains static. Prices of precious metals fluctuate continuously at all other times.

How are your prices determined?

• Our prices are determined by the current spot price plus a premium. The premiums are based on factors such as the mint of origin, complexity of design, and uniqueness of the product. Additionally, our selling price is influenced by the cost at which we acquired the product. If an item costs us more to buy, it will also cost more for our customers. Conversely, if a mint charges us less for an item, we pass those savings along to our customers.

When will I receive my order?

• You will receive your order once we receive your payment. Please note that a "Paid" email will be sent to you once your payment is received. The holding period after cleared payment varies depending on your payment method.

How do you ship orders?

• Orders are shipped discreetly via USPS, UPS, or FedEx.

Will I need to sign for my package?

• Orders under $1000 generally do not require a signature unless selected and paid for at checkout. Orders over $1000 will always require a signature. Please be aware that once a package shows as delivered, our responsibility ends, and due to COVID-19, couriers may not always obtain a signature.

Do you ship internationally?

• We only ship to addresses within the United States, including P.O. Boxes and APO addresses. We do not ship to U.S. territories.

How will I know when my order ships?

• You will be notified by email once your order ships. Additionally, you can check the current status by logging into your account or using our Track Your Order page.

Are returns accepted?

Yes, returns are accepted. However, please note that there is a restocking charge on all returns, with the percentage listed per item.

What is “spot price”?

• The spot price is the current market price for precious metals like gold, silver, platinum, and palladium. It is determined by futures contracts, which are agreements for future delivery of these metals. When you purchase from us or another dealer, you want your item as soon as possible, so we calculate a price based on the current spot price through a time value of money calculation known as an EFP (Exchange for Physical). Each company performs its own calculation based on their cost of money and other factors.

What does “random year” mean for coins?

• “Random year” means the coin you purchase will be from a year chosen by us.

What is the “FV” or “Face Value”

• The “FV” or “Face Value” is the legal currency value of the coin as assigned by the mint.

What is the “Mintage”?

• The “mintage” refers to the amount of coins produced in a given year and/or from a particular series.

What is a “Mint”?

• A “mint” is where bullion is produced. Government mints produce the country’s currency, while private mints produce bullion rounds, bars, bullets, and medallions.

What is the “Obverse” & “Reverse”?

• The “obverse” refers to the front side of a coin, while the “reverse” refers to the back side.

What are “Premiums”?

• “Premiums” refer to the fixed dollar amount over spot price on a product. They cover the cost to manufacture, wholesale and retail markup, shipping, and any other associated production costs. Premiums vary by product and change over time.

What is a “Proof”?

• A “proof” is a coin that has a mirror-like finish as a result of a special minting procedure. These coins are typically considered collectibles.

What is “Purity”?

• “Purity” refers to the percentage of metal within the bullion.

What is the difference between a troy ounce and a regular ounce

• Precious metals are always weighed in troy ounces, whereas non-precious metals like copper are weighed in regular ounces. A troy ounce weighs approximately 31.104 grams, while a regular ounce weighs approximately 28 grams.

Can I modify my order?

• Rather than modifying your current order, you would need to cancel it and place a new one. Please note that there may be market loss and/or cancellation fees if you choose to cancel.

How long does it take to get my refund?

• For credit card payments, we initiate a charge reversal, and the funds are credited to your card within 1-3 business days. For PayPal payments, we initiate a charge reversal, and the funds typically appear back in your PayPal account within 1-2 business days.

Can you reinstate my order after it is canceled?

• Unfortunately, we cannot reinstate canceled orders. When an order is placed, we release the inventory and un-hedge the metal. Reinstating canceled orders can affect our inventory and hedging.

Can I change my shipping address?

• We can sometimes change shipping addresses on a case-by-case basis. If you need to change your shipping address, please call and speak with a representative. Please note that we cannot make address changes to a PayPal order.

What are the different types of bullion?

• Bullion comes in various forms, including coins, bars, and rounds. Coins, typically minted by government mints, are legal tender and carry a higher premium. Rounds, produced by private mints, often have a lower premium. Bars, also commonly produced by private mints, tend to have a low premium.

What are “certified” coins?

• “Certified” coins have been graded and authenticated by reputable grading services like PCGS (Professional Coin Grading Service) or NGC (Numismatic Guaranty Corporation). These coins are assigned serial numbers for verification and are encapsulated in plastic slabs. Certified coins are graded on a scale of 1-70, with 70 representing a coin in perfect condition.

What is “junk silver”?

• “Junk silver” refers to any silver product containing 35% to 90% silver content. Examples include pre-1965 U.S. dimes, quarters, and half-dollars, which were minted with a silver composition.

Is it better to buy gold, silver, or both?

• We recommend diversifying your investments across various precious metals, including gold, silver, platinum, and more. Our inventory offers a range of sizes to accommodate any budget and investment strategy.

Why does the 1 oz American Gold Eagle Coin weigh more than one troy ounce?

• American Gold Eagles are 91.67% gold, with the remaining 8.33% composed of silver and copper to enhance durability. While the coin is marketed as containing one troy ounce of gold, the additional alloys contribute to its slightly heavier weight. The 1 oz American Gold Eagle Coin weighs approximately 33.9 grams due to the inclusion of silver and copper.

Why are the diameters of 1 oz coins and rounds different?

• The diameters of 1 oz coins and rounds may vary due to differences in minting processes among mints. Some molds may result in coins with smaller diameters but thicker profiles, while others may produce rounds with larger diameters but thinner profiles.